Finally got back on the site, there must be something wrong with there server.
Anyway, my insurance agent did have a hell of a time even finding a company to give a quote, most companies don't even want to mess with a shop like this.
The price for $35,000 per year only included $300,000 liability, covered what I thought it would be in materials for 3 cars and roughly $15,000 in equipment. This was the price if I only used all new parts like motor , tranny, you guys know the rest.
But here's what I can't figure out, if I were to build choppers here (kit bikes) which are more dangerous the liabilty insurance which actually had more coverage would only be $6700 per year, try and figure that one out.
As far as a waiver I 'm thinking that probably is a bad idea.